Mortgage Rates From Top Area Lenders

90 and 80 Percent Loans80 Percent Loans Above $359,650LenderNote typeNote rateTotal pointsAPRLoan limitNote rateTotal pointsAPRLoan limitTotal points is the fee paid to lender at time of loan closing, as a percentage of the loan balance.

Loan limit is the maximum amount the lender will loan for the minimum down payment and other terms shown.

APR is the annual percentage rate, which is an estimated annual cost of the loan to the borrower. APRs are included for comparison only. APRs for adjustable loans are calculated using the fully-indexed rate (i.e. margin plus index). When applying for a loan, federal Truth-in-Lending law requires lenders to calculate an APR specific to each loan offer.

Mortgage rates often change daily. The above rate information, collected by National Financial News Service, is based on a list of the area's most active home-purchase lenders. The rates are subject to change without notice and may be lower or higher than those of other lenders in the area.Wells Fargo Mtg.30-year fixed55/8%1NA$359,65053/4%1NA$1,000,00015-year fixed51/8%1NA$359,65051/8%1NA$1,000,000202-237-55861-year adjustable43/4%1NA$359,65043/4%1NA$1,000,000Bank of America30-year fixed53/4%05.84$359,65057/8%06.08$750,000Mortgage15-year fixed51/2%05.73$359,65051/2%05.573$750,000800-279-70841-year adjustable51/4%06.69$359,65053/8%06.69$750,000First Savings Mtg.30-year fixed53/8%11/2NA$359,65051/2%11/2NA$1,000,00015-year fixed51/8%11/2NA$359,6505%11/2NA$1,000,000703-883-90101-year adjustable43/4%1NA$359,65043/4%1NA$1,000,000National City Mtg./30-year fixed55/8%1NA$359,65057/8%1NA$650,000FNMC/FOA15-year fixed51/4%1NA$359,65051/2%1NA$650,000AccuBanc Mtg.1-year adjustable43/8%1NA$359,65041/2%1NA$650,000First Horizon30-year fixed53/4%1NA$359,65057/8%1NA$650,000Home Loans15-year fixed53/8%1NA$359,65051/2%1NA$650,000703-631-00981-year adjustable41/2%1NA$359,65047/8%1NA$650,000SunTrust Mtg.30-year fixed55/8%15.647$359,65053/4%15.762$650,00015-year fixed51/4%15.286$359,65053/8%15.395$650,000301-517-53061-year adjustable51/2%16.53$650,00051/2%16.525$1,000,000Prosperity Mortgage30-year fixed51/8%3NA$359,65051/2%21/2NA$650,00015-year fixed45/8%3NA$359,65047/8%25/8NA$650,000301-255-46001-year adjustable43/8%27/8NA$359,65043/8%27/8NA$650,000Chase Home30-year fixed53/4%15.86$359,65057/8%15.97$650,000Finance15-year fixed53/8%15.59$359,65053/8%15.53$650,000800-448-60801-year adjustable53/8%16.54$359,65053/8%16.54$650,000Chevy Chase Bank/30-year fixed51/2%11/45.632$359,65053/4%15.852$1,000,000B.F. Saul Mtg.15-year fixed51/8%11/85.327$359,65053/8%15.546$1,000,000800-807-58801-year adjustable55/8%11/46.546$359,65053/4%11/46.55$1,000,000CTX Mtg.30-year fixed51/2%0NA$359,65053/4%0NA$1,000,00015-year fixed51/8%0NA$359,65053/8%0NA$1,000,000703-385-61001-year adjustableNANANA$359,650NANANA$1,000,000Fidelity & Trust30-year fixed51/2%1NA$359,65055/8%11/2NA$650,000Mortgage15-year fixed51/4%1NA$359,65053/8%1NA$650,000301-907-80301-year adjustable47/8%1NA$359,65047/8%7/8NA$650,000IndyMac Bank30-year fixed53/8%15/85.586$359,65051/2%17/85.731$1,000,00015-year fixed5%21/85.307$359,65051/8%17/85.512$1,000,000877-808-38631-year adjustableNANANA$359,650NANANA$1,000,000Wachovia Mortgage30-year fixed57/8%06.011$359,65061/8%06.253$600,00015-year fixed51/2%05.725$359,65053/4%05.96$600,000703-548-57231-year adjustableNANANA$359,650NANANA$600,000Intercoastal30-year fixed53/8%1NA$359,65053/4%1NA$1,000,000Mortgage Co.15-year fixed51/8%1NA$359,65053/8%1NA$1,000,000703-449-68001-year adjustable5%1NA$359,6505%1NA$1,000,000American Home30-year fixed57/8%0NA$359,65061/8%0NA$2,000,000Mortgage15-year fixed51/2%0NA$359,65053/4%0NA$2,000,000703-798-48051-year adjustable3.875%1NA$359,65041/2%1NA$8,000,000Navy Federal30-year fixed53/4%0NA$359,65053/4%0NA$1,000,000Credit Union15-year fixed51/4%0NA$359,65051/4%0NA$1,000,000703-255-73001-year adjustable41/4%0NA$359,65041/4%0NA$1,000,000Westminster Mtg./30-year fixed51/4%2NA$359,65055/8%1NA$1,000,000TBI Mortgage15-year fixed47/8%2NA$359,65051/4%1NA$1,000,000703-433-62001-year adjustable45/8%1NA$359,65047/8%1NA$650,000Charter One Bank30-year fixed55/8%1NA$359,65055/8%2NA$750,00015-year fixed51/4%7/8NA$359,65051/8%2NA$750,000301-984-63001-year adjustableNANANA$359,650NANANA$750,000Guaranty Resident'l/30-year fixed53/8%25.606$359,65053/4%25.961$1,000,000New York Mortgage15-year fixed47/8%25.263$359,65051/4%25.601$1,000,000301-294-14771-year adjustable41/4%16.212$359,65045/8%16.246$2,000,000Sandy Spring30-year fixed53/4%05.772$359,65057/8%05.897$650,000Bank15-year fixed53/8%05.397$359,65051/2%05.522$650,000800-869-85231-year adjustable5%06.509$359,6505%06.509$650,000